12 Days Of Finance, Day 3: Say Goodbye to Overspending: Stop Budgeting the Wrong Way

Pennies To Pounds Podcast

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In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸

Here’s what we’re unpacking:
• The 50/30/20 method and why it’s a game-changer
• Zero-based budgeting for ultimate money control
• How to adapt the cash envelope system in today’s digital world
• Our fave budgeting tools—pen and paper, spreadsheets, apps, you name it!
• Why monthly budget reviews keep your money aligned with your life
• Automating your savings for a stress-free future
• Clever ways to categorise expenses for crystal-clear visibility
• And, of course, creating a fun fund to treat yourself guilt-free!

Prepare to make budgeting simple, stress-free, and even fun!

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فصول

1. Mastering Budgeting (00:00:00)

2. Indulging in Christmas Feasting (00:07:58)